Ghana isn’t waiting for digital banking, it’s ready for it. At Ghana’s Fintech Moment: Africa’s Digital Future, Sheila Azuntaba (Deputy Managing Director, Consolidated Bank Ghana) made it clear that full digital banking is no longer a disruption; it’s an expectation. The systems, regulations, and licensing foundations are already in place. The real challenge now is scale. Building a true digital bank requires serious capital, strong buffers, and the ability to move products to market fast. Readi

Payment data is becoming a credit infrastructure. During the AFTSLIVE session Why Flutterwave Acquired Mono and What It Means for African Commerce, Gabriel Ologunwa (AVP Global Expansion & Payment Partnerships for West Africa at Flutterwave) explained how verified transaction data allows merchants to embed financial products like trade credit directly into their services. With clear identity, history, and risk signals, credit decisions can happen inside existing platforms. When infrastructure re